Our thoughts on Erie
Erie was one of the best regional carriers in our Best Home Insurance Companies of 2026, but wasn’t ranked due to its limited service area.
It received strong marks from third-party rating agencies alike, with a J.D. Power score of 705 out of 1,000, above the average of 640, and an AM Best rating of A+.
Erie ranked right at the top in our survey for policy offerings and claims handling, and ranked very well in most categories.
While Erie doesn’t have the cheapest home insurance rates, its premiums are not far above average, ranking fourth-lowest at $2,783 a year.
Where can you buy Erie homeowners insurance?
Erie is what is known as a super-regional company, available in 12 states.
| State | Average annual premium |
|---|---|
| Illinois | - |
| Indiana | $2,460 |
| Kentucky | - |
| Maryland | $1,694 |
| New York | - |
| North Carolina | $3,639 |
| Ohio | $1,885 |
| Pennsylvania | $1,424 |
| Tennessee | $3,642 |
| Virginia | $1,980 |
| West Virginia | $2,138 |
| Wisconsin | - |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Erie homeowners insurance cover?
- Your home (dwelling coverage)
- Other structures on your property, such as a shed or detached garage (other structures)
- The contents of your home (personal property)
- Temporary housing and additional expenses if you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages if you are responsible for injuries or damage to someone else (personal liability and medical payments)
Flood insurance can also be added for extra protection.
How much is Erie home insurance?
The average cost of an Erie policy is $2,783 a year, but rates vary by coverage level. The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $1,879 |
| $200,000 dwelling, $300,000 Liability | $1,888 |
| $300,000 dwelling, $100,000 Liability | $2,770 |
| $300,000 dwelling, $300,000 Liability | $2,783 |
| $400,000 dwelling, $100,000 Liability | $3,516 |
| $400,000 dwelling, $300,000 Liability | $3,526 |
| $600,000 dwelling, $100,000 Liability | $4,910 |
| $600,000 dwelling, $300,000 Liability | $4,927 |
| $1,000,000 dwelling, $100,000 Liability | $6,720 |
| $1,000,000 dwelling, $300,000 Liability | $6,743 |
Erie home insurance discounts
Erie offers a range of discounts to help reduce rates, including a big discount of 62% for a new home.
The chart below shows some discounts and how each discount affects pricing. The biggest discount offered is for new homes.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Advance purchase | $3,179 | $3,032 | 5% |
| Bundle | $3,076 | $2,803 | 8% |
| Burglar alarm | $3,400 | $3,377 | 1% |
| Fire alarm | $3,400 | $3,377 | 1% |
| Loyalty | $3,179 | $2,975 | 6% |
| New home | $3,179 | $1,330 | 62% |
| Smoke detector | $10,241 | $10,215 | >1% |
| Sprinklers | $3,137 | $3,108 | 1% |
What makes Erie home insurance rates go up?
Just like a newer home or a good insurance score can result in a premium discount, an older home or a lower insurance score can cause your rates to go up. Additionally, most insurance companies raise your rates after you file a claim.
See the table below for how these particular scenarios might affect your premiums.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $3,154 | $4,578 | 52% |
| Home-based business | $2,303 | $2,691 | 19% |
Erie vs. competitors: How does Erie stack up?
Erie outperformed its competitors in multiple categories, coming in first place for policy offerings, claims handling and the billing process. While the insurer doesn’t have the lowest premiums of the carriers offered, its rates remain competitive.
In the table below, you can compare Erie with competitors; Erie is slightly more expensive than both.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Erie | $2,783 | 93% | 92% | 93% |
| Auto Club Enterprises (AAA SoCal) | $1,335 | 95% | 86% | 93% |
| Auto Club Group (AAA Midwest/South) | $1,888 | 86% | 92% | 80% |
| CSAA Insurance Group (AAA NorCal/NV/UT) | $1,496 | 81% | 88% | 69% |
| Auto-Owners | $2,840 | 82% | 84% | 80% |
| American Family | $2,759 | 76% | 84% | 78% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What do people ask about Erie?
The following are some common questions customers ask about Erie.
Is Erie a good homeowners insurance company?
Yes, based on our survey and third-party ratings, Erie is a good, reputable home insurance company. Its high scores in multiple categories, including claims handling, indicate that Erie takes care of customers.
Do people trust Erie?
Erie scored 98% for trustworthiness, an excellent score. Auto Club Enterprises (AAA SoCal) won this category at 100%.
| Company | Percentage of customers who say they trust the company |
|---|---|
| Erie | 98% |
| American Family | 87% |
| State Farm | 90% |
Do people recommend Erie?
Erie is highly recommended by 92% of people surveyed, who say they would recommend the insurer. A few carriers scored better, and Auto Club Enterprises had a 100% score.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Erie | 92% |
| Progressive | 82% |
| American Family | 84% |
Do people plan to renew with Erie?
Customer loyalty is an important metric for customer satisfaction. Most Erie customers plan to renew, with a score of 93%.
| Company | Percentage of customers who plan to renew |
|---|---|
| Erie | 93% |
| Progressive | 87% |
| Auto-Owners | 92% |
Is Erie good at paying claims?
J.D. Power is a third-party rating system that rewards points based on several factors, including the ability to pay out claims. Erie received a J.D. Power score of 705 out of 1,000, for second place in that study. Erie came in first place in our survey, with 84% of customers saying they were satisfied with the claims process.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Erie | 84% | 705 |
| Amica | 83% | 745 |
| Auto-Owners | 62% | 719 |
Sources:
- Erie Insurance. “Our History.” Accessed April 2026.
- Erie Insurance. “States of Operation.” Accessed April 2026.
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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